David: I live in Kentucky and would like to know the basic things for car insurance for Kentucky.

Response: This is a very broad question and so will touch olnly on the basics. Let me know your specific question in relation to car insurance it you have one. Here is a tip I want you to keep in mind : Compare auto insurance quote and know the rules and regulations of your state alongwith reviewing your car insurance coverage at all times.

What is Kentucky car insurance?

Kentucky car insurance protects you from financial loss in the event of a car accident.

Essentially, your Kentucky car insurance policy acts as a contract between you and your insurer which states that in exchange for paying your premium, the insurer will pay for any losses or damages resulting from a car accident. Also remember that your car insurance rates depend upon the vehicle and the chances of car theft. For more information on theft of car and car insurance.

Can I drive without Kentucky car insurance?


The State of Kentucky requires all motorists to carry liability coverage in the amounts of 25/50/10. In other words, you must be insured for the following amounts:

  • $25,000 total for bodily injury per person
  • $50,000 total for bodily injury coverage per accident
  • $10,000 total for property damage per accident
  • The penalties for driving without Kentucky car insurance are rather severe. If you are caught driving without Kentucky car insurance, you could face fines between $500 and $1000 as well as 90 days in jail.

    The repercussions of driving without Kentucky car insurance may haunt you long after your legal obligations are met—you will be considered a high risk driver and therefore have difficulty finding affordable Kentucky car insurance.

    What if I can’t obtain Kentucky car insurance in the normal market?

    If you have been refused Kentucky car insurance in the last 60 days – and can provide proof of that refusal—you may be eligible for the Kentucky Automobile Insurance Plan, or KAIP.

    According to the Kentucky Department of Insurance, KAIP can be purchased through regular Kentucky car insurance agents, or through a broker. Due to the expense of KAIP coverage, you will want to continue shopping for Kentucky car insurance in the normal market. You may cancel your KAIP coverage if you find more affordable Kentucky car insurance—any remaining funds will be prorated and returned to you.

    Under what circumstances can my Kentucky car insurance cancel my policy?

    The Kentucky Department of Insurance reports that your policy may only be cancelled if:

  • You have neglected to pay your premium (following a two-week notice).
  • Your driver’s license is suspended or revoked (following a 20-day notice).
  • You have committed fraud against your insurance company or falsified information.
  • Can my Kentucky car insurance company choose not to renew my policy?


    Your company may choose not to renew your policy on account of claim frequency or traffic violations.

    However, your company or agent cannot deny you renewal because of your age, your credit history or a disability not affecting mechanically assisted driving.

    If you feel your policy was cancelled or non-renewed in error, you are encouraged to contact the Commissioner or Insurance within seven days of cancellation or non-renewal.

    What if I still have questions?

    For more information on KAIP and Kentucky car insurance, contact the Kentucky Department of Insurance at (800) 595-6053.

    Your questions and querries are alwyas welcomed.